Stephens Security Bank, The

Stephens, AR · Cert 16395 · Peer group: banks under $1B in assets operating in a single state (n=819-825)

FDIC · 1 branch

Q2 2024

$61.8MAssets

$52.6MLoans

$53.0MDeposits

$7.6MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets operating in a single state (rank 152 of 819).
Widest gap: total risk-based capital ratio trails 66% of banks under $1B in assets operating in a single state (rank 545 of 825).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.84%

Rank 398 of 825

Net Interest Margin

3.73%

Rank 226 of 823

Efficiency Ratio

73.53%

Rank 463 of 825

Equity / Assets

12.28%

Rank 195 of 825

Unfavorable gap of $1.7M · efficiency ratio beats 44% of banks under $1B in assets operating in a single state

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.84%	0.44%	0.82%	1.20%	Beats 52%	398 / 825	n/a
Return on Equity	6.83%	4.83%	8.68%	12.76%	Beats 37%	522 / 823	n/a
Net Interest Margin	3.73%	2.67%	3.21%	3.78%	Beats 73%	226 / 823	n/a
Efficiency Ratio	73.53%	60.48%	70.66%	82.88%	Beats 44%	463 / 825	n/a
Asset Quality
Nonperforming Loans / Loans	0.01%	0.04%	0.33%	0.89%	Beats 82%	152 / 819	n/a
Net Charge-Offs / Loans	0.01%	n/a	0.01%	0.04%	Beats 54%	384 / 819	n/a
Capital
Tier 1 Capital Ratio	12.49%	11.27%	13.54%	17.30%	Beats 39%	506 / 825	n/a
Total Risk-Based Capital Ratio	12.49%	11.58%	14.22%	17.83%	Beats 34%	545 / 825	n/a
Equity / Assets	12.28%	7.81%	9.47%	12.02%	Beats 76%	195 / 825	n/a
Liquidity & Funding
Loans / Deposits	99.22%	59.04%	76.96%	89.87%	88th pctl	102 / 825	n/a
Loans / Assets	85.09%	51.66%	65.27%	75.68%	95th pctl	45 / 819	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution